To connect to my bank, it depends. To deposit a check, I use my phone. But to manage my account, I never use my phone: I have several accounts, and a joint account, and I have a lot of bills, and doing all that on my phone would be very cumbersome.

So young people, whose lives are simple still, might do it on their phone. But if your banking is complex, the laptop is far more convenient.

To apply for a job, if I were looking for a retail job and were 16 years old, I might use my phone. But given that I am an experienced consultant, I would be expected to provide a resume and the phone would not make sense.

So yes, for some portion of the population, especially young people who have simple lives and simple jobs, the phone is ok.